For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-30.
Barclays provides secured and unsecured business loans with flexible repayment options tailored to varying borrower needs. It typically suits UK SMEs looking for adaptable loan terms and different security levels. The provider offers diverse repayment types and loan term flexibility to accommodate business cash flow requirements.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 5.7%
- Max APR: 0%
- Loan Duration: 1 to 10 years ⌛
Services & Industries
- Finance Types: Secured Loan, Unsecured Loan
- Industries: Healthcare, Retail, Manufacturing
Pros
- Established banking institution
- Flexible loan terms
Cons
- Stringent eligibility criteria
Lloyds Bank offers a variety of secured and unsecured business finance products designed for different industries and business sizes. It is suited for UK businesses seeking tailored lending solutions with options for security and repayment flexibility. Their lending involves eligibility checks and may require collateral for larger loans depending on credit criteria.
Loan Details
- Min Amount: £5,000
- Max Amount: £100,000
- Min APR: 6.9%
- Max APR: 0%
- Loan Duration: 1 to 7 years ⌛
Services & Industries
- Finance Types: Secured Loan, Business Loan
- Industries: Healthcare, Technology, Agriculture
Pros
- Customizable loan solutions
- Wide industry support
Cons
- May require collateral for larger loans
HSBC UK specialises in a broad range of business loans including secured options with a focus on competitive rates for healthcare firms. This provider suits UK companies seeking customised lending with options for security and flexible repayment. HSBC's products come from a global bank with various loan types and terms suitable for complex financing needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 15.3%
- Loan Duration: 1 to 10 years ⌛
Services & Industries
- Finance Types: Secured Loan, Term Loan
- Industries: Healthcare, Manufacturing, Construction
Pros
- Global bank with extensive resources
- Diverse loan products
Cons
- Complex application process
NatWest provides business loans focused on small and medium-sized enterprises with options for secured and working capital lending. It is suitable for UK SMEs seeking moderate loan sizes with flexibility in repayment terms and eligibility. NatWest offers a mix of secured products, balancing loan term options and accessibility.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6 to 60 months ⌛
Services & Industries
- Finance Types: Secured Loan, Working Capital Loan
- Industries: Healthcare, Retail, Technology
Pros
- Strong community presence
- Support for SMEs
Metro Bank provides straightforward business loans with a focus on quick approvals and simplicity. It caters to UK SMEs looking for accessible financing with flexible repayment terms and customer service. Metro Bank offers secured finance options including asset financing to support business needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 12 to 60 months ⌛
Services & Industries
- Finance Types: Secured Loan, Asset Finance
- Industries: Healthcare, Hospitality, Retail
Pros
- Quick decision making
- Personalised service
6. Santander UK
Santander UK delivers secured business loans focusing on growth and customer support for UK SMEs. It suits those seeking flexible secured borrowing with practical loan durations and repayment options. Santander offers a range of business financing tools with an emphasis on accessibility and business expansion.
Loan Details
- Min Amount: £10,000
- Max Amount: £50,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: Secured Loan, Growth Finance
- Industries: Healthcare, Technology, Retail
Pros
- Variety of loan options
- Strong customer feedback
Cons
- Higher fees for certain services
Clydesdale Bank offers secured lending solutions designed for SME growth, emphasising secured loan options with flexible terms. It targets UK SMEs that require tailored finance to support expansion and manageable repayments. Clydesdale's loans include security provisions suited to business needs and growth strategies.
Loan Details
- Min Amount: £20,000
- Max Amount: £200,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 7 years ⌛
Services & Industries
- Finance Types: Secured Loan, Revolving Credit
- Industries: Healthcare, Technology, Retail
Pros
- Specialized SME support
- Comprehensive loan options
Yorkshire Bank provides secured loans with practical terms to support business growth, focused on manageable repayments and security. It suits healthcare-focused and other SMEs seeking reliable funding with flexible conditions. Yorkshire Bank combines competitive rates with sector-specific expertise.
Loan Details
- Min Amount: £5,000
- Max Amount: £150,000
- Min APR: 9.5%
- Max APR: 0%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: Secured Loan, Investment Loan
- Industries: Healthcare, Agriculture, Manufacturing
Pros
- Competitive rates
- Industry expertise
Cons
- Limited to certain regions
Aldermore Bank specialises in secured loans for SMEs with personalised financing solutions targeting healthcare and manufacturing sectors. The loans are suitable for businesses requiring flexible terms and tailored repayment options secured by assets. Aldermore balances thorough eligibility with customised loan packaging for business growth.
Loan Details
- Min Amount: £25,000
- Max Amount: £500,000
- Min APR: 7.9%
- Max APR: 0%
- Loan Duration: 12 to 60 months ⌛
Services & Industries
- Finance Types: Secured Loan, Asset Finance
- Industries: Healthcare, Manufacturing, Real Estate
Pros
- Flexible terms
- Focus on SMEs
Close Brothers offers asset finance and secured loans with bespoke plans suitable for niche market needs including healthcare and retail. This provider fits UK SMEs looking for tailored finance solutions with structured repayment and collateral options. Close Brothers leverages its experience in specialised finance markets to meet diverse business requirements.
Loan Details
- Min Amount: £15,000
- Max Amount: £300,000
- Min APR: 8.5%
- Max APR: 0%
- Loan Duration: 3 to 7 years ⌛
Services & Industries
- Finance Types: Secured Loan, Asset Financing
- Industries: Healthcare, Automotive, Retail
Pros
- Tailored finance plans
- Experienced in niche markets
How to choose
When selecting the best secured business loan lenders for the healthcare industry, consider lenders that offer flexible security options aligned to business assets. Evaluate how repayment plans suit your cash flow and whether the loan terms accommodate seasonal variations. Prioritise lenders with clear eligibility criteria and transparent fees to avoid unexpected costs. Speed of approval matters, but balanced with flexibility ensures the loan fits operational needs. Some providers offer broker access to wider options, which can aid tailored financing. Always align lender offerings with your specific healthcare business requirements.
Conclusion
Choosing the right lender depends on your business use case and financing needs. Banks typically provide direct lending suitable for well-established companies seeking traditional secured loans. Brokers can offer access to a wider range of lenders and bespoke solutions, especially useful for complex or higher-value financing like a 200 thousand pounds loan. Specialist lenders often focus on niche sectors or specific loan types, which may offer tailored products but with more stringent criteria. Assess provider type carefully based on loan size, speed, flexibility, and security requirements to select the most fitting option.
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